ABSTRACT
The chapter assessed the determinants of microfinance uptake by those with access, focusing on populations of the Northern Savannah ecological zone of Ghana. The chapter established that access to microfinance services remained highly supply-driven rather than demand-pulled in the Northern Savannah of Ghana. Using logistic regression modelling, the results showed that targeting particular niches of population groups engaged in market-led activities; policies and programmes that expanded the rural economy; adherence to good corporate governance and management systems by microfinance institutions, especially on those improving upon customer relationships and experiences; being female, engagement in diversified livelihood portfolios; the adaptation of group or a combination of group and individual lending methodologies by MFIs were significantly associated with the uptake of microfinance products and services in the Northern Rural Savannah of Ghana.
